
Behavior Gap Radio
Greetings, Carl here.
This podcast is super simple, it's me wandering through the world noticing things about how to align my use of capital (time and money) with what is actually important to me.
-Carl
Latest episodes

Dec 27, 2024 • 9min
1213 | The Sacred Now: You're Already There
In this episode of Behavior Gap Radio, Carl reflects on a backcountry skiing trip that offered profound moments of connection—with nature, loved ones, and the present moment. He explores the tension between saving for the future and fully embracing the wealth of sacred experiences available right now. Through stories of unexpected reunions, quiet mountain ridges, and laughter with friends, Carl challenges listeners to reconsider where the true value lies and invites them to lean into the joy and meaning already present in their lives.Want more from Carl? Get the shortest, most impactful weekly email on the web! Sign up for the Weekly Letter from Certified Financial Planner™ and New York Times columnist Carl Richards here: https://behaviorgap.com/

Dec 23, 2024 • 8min
1212 | The 29-Year Canvas
In this heartfelt episode of Behavior Gap Radio, Carl reflects on a powerful realization while preparing for a family trip: the delicate balance between knowing we are enough as we are and striving to be a little better. Through the story of creating a simple yet profound piece of art, Carl explores the tension of holding two seemingly opposing truths at once. He invites listeners to embrace this balance in their own lives and consider how they might share the message of "you are enough" with others during the holiday season.Want more from Carl? Get the shortest, most impactful weekly email on the web! Sign up for the Weekly Letter from Certified Financial Planner™ and New York Times columnist Carl Richards here: https://behaviorgap.com/

Dec 23, 2024 • 4min
1211 | The 100-Year Mirror
In this episode of Behavior Gap Radio, Carl dives into a powerful question inspired by a conversation with writer Joel Stein: If someone 100 years from now reviewed a perfect record of how you spent your money and time, what would they learn about your true values—and what might embarrass you? Carl explores the discomfort and growth that come from confronting gaps between our stated priorities and actual behavior. He challenges listeners to reflect on their own lives and consider: Do you have a safe space to face these uncomfortable truths? If so, hold onto it—it’s a rare and invaluable gift.Want more from Carl? Get the shortest, most impactful weekly email on the web! Sign up for the Weekly Letter from Certified Financial Planner™ and New York Times columnist Carl Richards here: https://behaviorgap.com/

Dec 20, 2024 • 3min
1210 | The Moment I Realized I Was Different
In this episode of Behavior Gap Radio, Carl reflects on a pivotal moment from his high school years—the first time he realized others thought and lived differently when it came to money. Sharing a story about visiting a friend's house, Carl explores the emotional impact of recognizing financial and familial differences and how they shape our perspectives. He invites listeners to reflect on their own first moments of awareness: When did you realize that your "normal" wasn’t the same as someone else’s?Want more from Carl? Get the shortest, most impactful weekly email on the web! Sign up for the Weekly Letter from Certified Financial Planner™ and New York Times columnist Carl Richards here: https://behaviorgap.com/

Dec 19, 2024 • 4min
1209 | One Million Vertical Feet!
In this episode of Behavior Gap Radio, Carl unpacks a fascinating lesson about goals, metrics, and intention. Sparked by a conversation about someone else's impressive achievement, he reflects on how quickly arbitrary goals can take root—and how easily we can lose sight of what truly matters. Carl challenges us to examine whether the numbers we chase align with our deeper purpose or if they’re just distractions shaped by others’ expectations. It’s a thought-provoking reminder to focus on what really matters to us, not the metrics that might impress others.Want more from Carl? Get the shortest, most impactful weekly email on the web! Sign up for the Weekly Letter from Certified Financial Planner™ and New York Times columnist Carl Richards here: https://behaviorgap.com/

Dec 18, 2024 • 4min
1208 | What if Your Path Doesn't Exist Yet?
Discover the power of embracing uncertainty while staying true to yourself. The discussion highlights the struggle of personal authenticity in a society rife with expectations. Engaging personal stories illustrate the courage required to forge your own path. It's about breaking free from self-betrayal and navigating the unknown with confidence. Tune in for insights on pursuing uniqueness amidst life's pressures!

Dec 17, 2024 • 5min
1207 | Investing in Relationships
Explore the art of investing intentionally in relationships. Discover how prioritizing connections can lead to greater fulfillment in life. The discussion includes personal anecdotes that illustrate the profound impact of dedicating time and energy to nurture meaningful bonds. Uncover the importance of balancing your resources while building lasting relationships that enrich your experience.

Dec 13, 2024 • 3min
1206 | When Everything Goes Wrong
Explore the art of staying centered amidst chaos with personal stories that highlight resilience. Discover the surprising benefits of cold water immersion as a stress management technique. Learn how to maintain positive intentions throughout the day, even when faced with disruptions. This insightful discussion offers practical tips for finding calm when everything feels overwhelming.

Dec 12, 2024 • 3min
1205 | Money's Resignation Letter
Imagine having a heart-to-heart with money as if it were a weary friend. The conversation explores how we mistakenly burden it with unrealistic expectations like happiness and security. Personal anecdotes reveal struggles tied to these misconceptions, urging listeners to rethink their relationship with finances. By viewing money as merely a tool for exchange, we can find a healthier perspective that fosters fulfillment beyond the dollar.

Dec 11, 2024 • 3min
1204 | Confessions of a Reformed Financial Martyr
Discover a transformative approach to handling money emotions sparked by a simple family chat about ski passes. The speaker shares their journey from reactive patterns to emotional awareness, highlighting the importance of recognizing gradual changes in financial perspectives. This shift not only reshapes their relationship with money but also emphasizes accountability and understanding in managing finances.